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ForeRetirementTM C-ShareVariable Annuity

Based on owner(s) and annuitant(s).
Maximum issue age may be subject to broker-dealer restrictions.80

Maximum Annuitization Age

The later of age 90 or ten years from the date of issue (owner can elect earlier date). May vary by firm. Certain IRAs require payments to commence by age 70½.

Investment Amounts

Initial Investment

Minimum Initial Premium Payment

$10,000 for non-qualified contracts

$5,000 for IRAs

Additional Investments

Minimum Subsequent Payment

$500

When accompanied by InvestEase® Program

$50

Minimum Contract Value

$2,5001

Charges2

For all contracts

Mortality and Expense Risk Charge

1.45%

Administrative Charge

0.20%

Total Standard Contract Charge

1.65%

Total Annual Fund Operating Expenses3

0.58% to 2.84%

Fund Facilitation Fee (applies only to certain funds)

Up to 0.50% per fund

Annual Maintenance Fee (applies to contract value less than
$50,000 on Contract Anniversary or upon surrender)

$50

For Optional
Benefits,
if elected4

INCOME PROTECTION

Maximum Charge

Current Charge5

Daily 6

2.50%

1.25%

Daily +4

2.50%

1.25%

LEGACY PROTECTION

Return of Premium Death Benefit

0.75%

0.15%

Maximum Daily ValueSM

1.50%

0.45%

Legacy LockTMII6 (when paired with Daily 6/Daily +4)

1.50%

0.85%

Legacy LockTMII6 (Stand-alone) Issue Age 0-60

1.50%

1.15%

Legacy LockTMII6 (Stand-alone) Issue Age 61-65

1.50%

1.25%

Standard Death Benefit is Contract Value.

Access to Income

Annual Withdrawal

You can access 100% of your account value free of charge at any time.

All guarantees assume compliance with the benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company.

1Minimum contract value can be increased to $10,000. Subject to change and state approval.

2All expenses are described in the prospectus.

3Total annual fund operating expenses may not include any contractual waivers that may apply.

4Please see the prospectus for more details regarding limitations and restrictions pertaining to these features, such as investment restrictions and availability. Optional benefits may not be available in all states and firms and may be subject to ordinary income tax. Optional benefit charges are annualized and assessed quarterly.

5Charges based on the benefit value and assessed against the contract value. If Spousal Continuation is selected under the Single Life option for income protection benefits or any death benefit options, the rider charge upon Spousal Continuation will be the then-current charge for new sales, if available, subject to the election rules then in place.

6Important Note: A variety of factors — including withdrawals, underperformance and fees — can reduce the contract value. When purchased alongside an optional living benefit, should the contract value be less than the greater of either one Lifetime Annual Payment or the minimum contract value, the death benefit reverts to traditional return of premium, and is reduced by all past and future withdrawals. The Legacy Lock II step-up would also no longer apply. You may need to choose between an unreduced death benefit and continued withdrawals should the contract value approach the required minimum. When not paired with an optional living benefit, you may need to discontinue withdrawals in order to maintain an unreduced benefit as any withdrawal that reduces the contract value below the minimum contract value will terminate the contract and death benefit.

Variable annuities are sold by prospectus only. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. You should read the prospectus carefully before investing money. The prospectus is available here, or you can obtain one from your registered representative.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice.

All optional benefits are subject to state and firm approval and variations.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Distributions received from a non-qualified contract before the Annuity Commencement Date are taxable to the extent of the income on the contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity’s other features, such as lifetime income payments and death benefit protection.

The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to your investment. This information does not constitute personalized investment advice or financial planning advice.

All statements qualified by final prospectus and Contract and are subject to change without notice. In the event of a conflict between this information and that contained in the prospectus and/or contract, the prospectus and contract shall prevail.

9Prior to May 1, 2014, the Templeton Growth VIP Fund was named Templeton Growth Securities Fund.

ForeRetirement variable annuities are issued by Forethought Life Insurance Company and are underwritten and distributed by Forethought Distributors, LLC.

The investment options listed have certain associated risks. For more information about these risks, and to learn more about each investment option’s investment objective, charges and expenses, please refer to the prospectus.

You can download electronic versions of the prospectus, statement of additional information, literature and more.

Marketing materials may not be available for use in all states, including but not limited to Connecticut, Georgia, and Mississippi. Not construed as an offer for solicitation until your state has approved the product and the referenced marketing materials.